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Public Liability Insurance (PLI) details from BECTU information.
Key facts:
BECTU Membership: Our PLI cover definitely does not exclude members from working for non-members or for companies which do not recognise BECTU. There is no such exclusion. The policy is definitively not restricted to ‘union workplaces’.
Partnerships: A definition of a partnership, for the purposes of PLI cover, is a business entity in which two or more individuals carry on a continuing business for profit as co-owners.
The cover applies to BECTU memebers who choose to work in partnerships as long as the other partner is also a BECTU member. This is explained in the letter sent to all members when they renew their cover. If your partner is a spouse operating in a purley clerical capacity, the PLI cover will still be valid.
Limited Companies: The cover applies to BECTU members who work as limited companies. If you are the only professional working director of the company, the PLI cover will provide indemnity. If you employ your spouse in a clerical capacity, the PLI cover will still be valid.
Custody or Control: The BECTU PLI policy, with effect from May 1st, specifically INCLUDES cover for property/equipment in your custody or control. The limit on the civer is £25,000 for any one claim and £100,000 for all claims in any one period (ie one year) of insurance.
NB: This is a new and additional extension of BECTU’s PLI cover at no extra charge to members.
If you require additional property/equipment insurance above the £25,000 limit, please contact the AON Entertainment and Media team on 0845 601 0380
Property/equipment not in your custody or control: For the avoidance of doubt, the BECTU PLI insurance provides £5m cover in respect of accidental damage to third party property/equipment which is not in your custody or control.
Worldwide Cover: Worldwide cover continues to apply. There is no US/Canada exclusion.
Working Hours: The PLI policy does not apply only to contracts complying with working time regulations. Compliance with these regulations is completely irrelevant tot he issue of PLI cover.
Working at Height: Cover is provided at all height limits. There is no height restriction on this policy.
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